Multiple UV maps -- One UV map always low res or missing
I found the solution.  It looks like the Unreal Engine only supports a single UV map for actual textures (you can still achieve multiple materials easily)

The reason my first example worked is because I was only actually using the 1 UV map and it had 2 materials inside of it and the other uv map was doing nothing.

I was going to delete this, but Blender and Unreal are pretty much attached at the hip at this point.  They fund Blender and the FBX export just went into the main package, so I'm sure I won't be the only one assuming I can duplicate the 'blender way of doing things' with multiple true UV maps like in this video
Tip: Using Multiple UV Coordinates (archive)

Simply put, it looks like Unreal Engine 4 only looks at UV map 0 for textures.